United Federal Credit Union - Promenade, Rogers, AR

I recently started banking with United Federal Credit Union after a family member referred me. Stephanie and Stacy were amazing at helping get my accounts set up! A few months after becoming a member I needed a loan for a new vehicle, Stacy was able to get me a loan within the hour with an amazing interest rate! I travel for work so I call the bank often for support and their customer support is always friendly and efficient in answering any question.

I would not use this bank at all. They do not tell you they will steal the money when you re-finance your car loan. At all other banks you get the unused portion of your GAP insurance back. These guys keep it or shall I say steal it. In my book unused means, “Not needed, not used, not theirs to keep” this is stealing, and they are good at it. They have very small print in the loan papers stating you must cancel the GAP insurance before 60 days to get your money back. They are a joke, do not do business with them! They will steal your money!

I'm a regular at this bank and everyone is always super friendly and helpful. I'm very surprised to see the negative reviews. They have always helped me with NSF fees (until I wore it out. My fault, not theirs) and have went out of their way to help me via email when I could not get certain answers myself. I do wish they would reject transactions that there is no money to cover but that's just not how it goes, unfortunately. We all have to be responsible to know the institution rules and regulations.

I  walked into the United Federal Credit Union - Promenade branch today to open a checking account. My son who is a member referred me and raved about their customer service.  I was told member service advisor Valyn Hunt was busy and it would be a 20-minute wait.  After approximately 10-15 minutes of waiting, the teller informed me it would be longer than originally anticipated. Valyn had paperwork to complete before he can assist me. I did not have the same experience as my son. In my opinion, they lack customer service, I decided it would be best to take my money elsewhere.

Consistently having issues with online payments. I have had two payments "not been successful" yet the money was taken out of my accounts and the monthly payment have not yet been paid. Even though I provide representatives my bank statement showing then I have indeed made payments. "There is no proof of payment" on their side. This next issue was recently. I refinanced my auto loan with United for a longer term causing my monthly payments to be smaller (as a new dad, I believed this would be beneficial). I canceled the GAP insurance on the old loan and was told that I would receive a check by both United and the dealership I purchased my vehicle from. However, the refund went straight to United. As of currently, I am not receiving emails from any representatives that I am currently in contact with. My advice would be to choose ANYONE else... Literally anyone...